Hi cofin, I did a similar quotation. For your budget, you can get a pretty comprehensive coverage for your medical card which covers up to 90 years old. Whether or not your agent kelong you, I will need to have a look at your policy. One of the important fine prints in the policy is the sustainability factor. Usually in some insurance companies, they can quote a policy with low premium because their sustainability is low and policy holders will get surprise price hike when their cash value reaches 0.
Hi gooroojee, any outpatients (normal clinic visits without overnight in hospital) is not claimable under medical card unless the reason is caused by accident. Usually, for normal clinic visit, some companies you work for do offer panel clinic which you can claim under your company medical benefits.

1. Accident during riding motorbike without hospitalisation can claim under medical card. The maximum claimable amount is usually around RM3,000 in this scenario.

2. Yes, claimable. As long as admitted to hospital and stayed overnight. Any treatment within 90 days after hospitalisation is also claimable.
Interesting. That means you have 2 policies which function as income replacement/debt cancellation.

Total life/TPD: 800k
Critical Illness: 400k

I would say you are quite good in coverage if there is anything happen to you from now on. Do you happen to have family/loans which is the reason why you bought these policies?
Hi WeiLoonChuak, hmm, I'm a Great Eastern agent myself and I don't think that the annual medical coverage limit will increase by 10% every 3 years if there is no claim.

I believe it refers to another rider which increases the Room & Board by 10% every 3 years instead of increasing your annual medical coverage limit. Also, R&B RM150 per night is not eligible for this rider. I strongly advise to discuss this with your agent on this respect since there might be some misunderstanding. Or you may send me your policy summary for a review.

For your second policy, which functions as a income replacement/debt cancellation, I think it is alright. However, I usually quote 500k for life and 500k for critical illness. For Great Eastern SPLM policy, I don't think that Critical Illness is deductible from Life/TPD. Life and CI are independent of each other in this policy for GE.

Later leng lui agent kelong u kao kao oh

Sounds like you had a bad experience with insurance agents. Not all agents carry the intention to scam people.